Can I file for bankruptcy if I dont have complete financial records? 24 Answers as of January 21, 2013

I am filing for bankruptcy and I dont have all the creditor information. Where should I go to get this information and is it even necessary for me to have all financial records available? I may not want to report every creditor, but am I legally obligated to put down everything on my file?

You have to list all known creditors in your bankruptcy petition. If you haven't already, you should obtain a free credit report from each of the three credit reporting bureaus to check and make sure you have everybody. Anybody not listed in an "asset case" chapter 7 or chapter 13 will not be subject to the discharge.

You are required by law to list all known creditors in your bankruptcy. If you don't know who your creditors are, get your free annual credit report from Experian, TransUnion & Equifax at anualcreditreport.com. Bankruptcy discharges can be denied or revoked if you fail to keep important records .

It is very important to keep good financial records if you are contemplating in filing for bankruptcy. It will make the bankruptcy process go much smoother for you. You are required by law to list every creditor that you owe. If you have not know all your creditors, I would recommend that you start by pulling your creditor reports. There are three major bureaus: Experian, Equifax & Transunion. This would be a good starting point. This is the only website that you can go to to obtain a free creditor report. In addition, you need to start keeping any and all letters/info you receive in the mail from your creditors. Get yourself a folder and start putting everything in the folder to take to your bankruptcy attorney because the more organized you are when you see the attorney the sooner your case can be filed.

The Bankruptcy Code requires that you disclose all of your assets and all of your creditors. It is up to you to provide the information necessary to complete the petition, statements and schedules. However, our office will obtain copies of all three of your creditor reports to assist in filling in the blanks. Unfortunely, not all creditors report to the credit bureaus and the list may be incomplete by itself. If you fail to disclose a creditor, that creditor may not be affected by the discharge.

You can't really pick and choose the creditors you want to include in the bankruptcy. When you file ch. 7, you are getting a discharge on your unsecured debt, so you should list all of your creditors. The best way to get this information is to pull a 3 bureau credit report with the creditors contact. All creditors listed on the petition will receive a discharge. If you wish to pay a certain creditor after the discharge, even though you no longer have the legal obligation to pay them, that is up to you.

When you file for bankruptcy you must list all assets and all debts. If you do not have a record of your debts obtain a credit report for that purpose. You aren't required to have information you no longer possess but you must comply with the disclosure requirements of the bankruptcy law.

Yes, you must list all creditors. You can name creditors you're not sure of, and give an approximate amount due. You can also get your credit reports- but be sure they say they're the only free ones provided by the government.

Your financial records must be as complete as possible. You are obligated to list everyone you owe and everything you own. If you are unsure of who you owe, collect all your bills for a couple of months. That will give you a start. Then you can get a credit report, or your attorney can order one as part of preparing your bankruptcy filing.

First of all, do NOT file without a lawyer. Bankruptcy is not a pro se project even for the well-prepared, and your question says you are far from that. Second, it is a crime, perjury, not to list ALL your debts and assets. If you file with incomplete creditor information, in a best case scenario, you will owe debts that you shouldn't owe. It is also possible that your discharge will be completely denied. And, depending on the severity of your omissions, you may face criminal charges of up to 5 years in prison and enormous fines. You need complete records. An attorney can often suggest ways to can find missing information and will be very helpful. Retain one ASAP.

You are legally obligated to include All creditors you know of. If you do not have a complete list, you can request a credit report. You are entitled to a free credit report every year and can request it that way and not have to pay.

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